It sounds like you do not have a good understanding of how insurance works.Go meet with an agent or a financial planner to get a firm understanding of how insurance fits into your financial picture.Term works well if you die during the term. If the term expires before you do, your heirs get nothing. If you have sufficient savings for all of your future financial needs - debts, retirement funds, future medical and nursing home bills etc - then you don't need insurance and term did its job.It is rare for someone to have sufficient savings.Good Luck.

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